The Southern Bank Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 59.56 percentage points in Q2 2026, from 73.46% to 133.02%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, The Southern Bank Company is 24th of 93 on return on assets, 1.49% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Southern Bank Company sits 0.24 points higher, at 1.49% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.05% |
| Equity capital to assets | 13.42% |
| Tangible equity to tangible assets | 13.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.89% |
| Non-performing assets ratio | 0.97% |
| Net charge-off ratio | -0.37% |
| Texas ratio | 6.59% |
| Allowance for credit losses to loans | 2.52% |
| Reserve coverage of non-performing loans | 133.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 11.22% |
| Net interest margin | 8.84% |
| Efficiency ratio | 66.89% |
| Yield on earning assets | 10.91% |
| Cost of funds | 2.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.08% |
| Core deposits to total deposits | 75.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.72% |
| Securities to assets | 32.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.37% | 1.37% | 6.73% | 3.05% | 0.03% |
| Q4 2023 | 16.08% | 1.79% | 7.36% | 1.02% | 0.53% |
| Q1 2024 | 16.15% | 1.27% | 6.83% | 0.23% | -0.09% |
| Q2 2024 | 15.92% | 1.53% | 7.68% | 0.29% | -0.15% |
| Q3 2024 | 15.39% | 0.61% | 7.57% | 0.31% | 0.35% |
| Q4 2024 | 15.27% | 1.25% | 7.53% | 0.68% | 0.02% |
| Q1 2025 | 14.58% | 0.73% | 7.14% | 3.72% | 0.28% |
| Q2 2025 | 14.26% | 0.43% | 7.09% | 3.94% | 0.03% |
| Q3 2025 | 14.62% | 0.59% | 7.17% | 3.47% | 5.41% |
| Q4 2025 | 14.48% | 1.12% | 7.31% | 3.23% | 0.24% |
| Q1 2026 | 14.96% | 1.11% | 7.54% | 3.12% | -1.07% |
| Q2 2026 | 15.05% | 1.49% | 8.84% | 1.89% | -0.37% |
The Southern Bank Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Southern Bank Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Southern Bank Company profile, peer group comparison, or how this data updates.
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